Midcoast Federal Credit Union: Rates and Fees

Current Rates: As of January 1st, 2010

Rates Are Subject to change without notice

Your Funds are Federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. The National Credit Union Administration (NCUA) is a U.S., Government Agency. Please call or stop in for a booklet on Your Insured Funds.

Savings

Type of Account	Dividend Rate	Annual Percentage Yield	Other Information
Share	.25%	.25%	$25.00 Minimum Balance
Club	.25%	.25%	No Minimum Balance
Member Checking	.0%	.0%	No Minimum Balance
Member Plus Checking	.20%	.20%	$500 Minimum Balance
IRA < $10,000	1.00%	1.01%
IRA > $10,000	1.25%	1.26%
Tiered Money Market Account
Equal to or less than $20,000	.50%	.50%	$1000 Minimum Balance
Greater than $20,000	.75%	.75%	$1000 Minimum Balance
Certificate of Deposit
6 months	1.00%	1.01%	$1000 Minimum Balance
1 yr	1.25%	1.26%	$1000 Minimum Balance
15 months	1.30%	1.31%	$1000 Minimum Balance
2 yrs	1.75%	1.76%	$1000 Minimum Balance
3 yrs	2.25%	2.28%	$1000 Minimum Balance
4 yrs	2.75%	2.79%	$1000 Minimum Balance
5 yrs	3.00%	3.05%	$1000 Minimum Balance
IRA Certificate of Deposit
6 months	1.00%	1.01%	$1000 Minimum Balance
1 yr	1.25%	1.26%	$1000 Minimum Balance
2 yrs	1.75%	1.76%	$1000 Minimum Balance
3 yrs	2.25%	2.28%	$1000 Minimum Balance
4 yrs	2.75%	2.79%	$1000 Minimum Balance
5 yrs	3.00%	3.05%	$1000 Minimum Balance
Monty Moose (Children's Savings Account)	.25%	.25%	$5 Minimum Balance
Take Charge (Teen Program)	.25%	.25%	$5 Minimum Balance

Monty Moose & Take Charge Certificates are also available. Minimum Balance is $500. Rates and Terms are same as those stated above.

Account Service Fees

Share (Savings) Account Fees

Accounts under the minimum balance of $25.00 will be subject to a $5.00 per month service fee.
Share Accounts closed within 6 months of opening will be charged a $20.00 fee.
2nd Returned Statement due to incorrect address $5.00
Back-Up Withholding Set-Up Fee $10.00
Legal Processing Fee $25.00
Unclaimed Account Processing Fee $50.00

Share Draft (Checking)

Monthly Service Charge $1.00 per month
Member Plus Checking $5.00 per month - if minimum not met
NSF Fee $25.00 per item
Member Privilege fee $25.00 per item
Debit Card NSF fee $25.00 per item
Overdraft Transfer Fee $5.00 per item
Copy of Share Draft Fee $3.00 per item
(Over Night $7.00 per item)
Check Printing Fee prices may vary depending on style

Business Checking

Monthly Service Charge $6.00
Over 50 items cleared per month $0.20

IRA Fees

IRA New Account $5.00
IRA Annual Fee $8.00
IRA Close/Transfer $25.00

Other Service Fees (applicable to all accounts)

Account Reconciliation $15.00 per hour
Account Research $15.00 per hour
Statement Copy Fee $5.00 per copy
Deposited Item Return Fee $10.00 per item
Wire Transfer Fee
Outgoing $20.00 per transfer
International $35.00 per transfer
In State Credit Union to Credit Union $5.00
Western Union Quick Cash $18.00 each
Money Order Fee $1.00 each
Money Order Copy $5.00 each
Stop Payment Request Fee $20.00 per request
2nd Extension Loan Processing Fee $25.00
Loan Modification Fee $150.00
Lien Subordinations $150.00
Current History $2.00
Corporate Draft Copy $10.00 each
Photocopies $0.25 per copy
Phone Transfer Fee $3.00 (unless Online Access is not available)

Electronic Funds Transfer Fees (NEACH)

ACH NSF Fee $25.00 per item
Member Privilege ACH Fee $25.00 per item
ACH Stop Payment Request $20.00 per item
Midcoast owned ATM FREE
Nonproprietary ATMs $1.00
ATM Withdrawals $1.00 after Four (4) FREE per month
Teller-Phone FREE
Midcoast Connection Online Service FREE
CU E-Statements FREE

Midcoast Federal Credit Union is a member of Surf (Surcharge-free ATM Credit Union Alliance). The rates and yields appearing in the Rate and Fee Schedule are accurate and effective as of today's date. If you have any questions or require current rate information on your accounts, please call Midcoast Federal Credit Union.

Loans

Our Personalized Lending Program is here! With money to lend and many loan products available, Midcoast Federal Credit Union can customize a loan to meet your financial needs. Every member is unique and every situation is different. With our new program we can approve more loans at the best qualifying rate.

From vehicle loans to mortgages and everything in between, Midcoast Federal Credit Union is YOUR lending leader!

Contact one of our knowledgeable Loan Officers TODAY!

Stop in any of our branch offices or call us toll free 1-877-964-3262.

Bath Lending Center

Anita � anitac@midcoastfcu.net, phone ext. 1219

Diane � dianed@midcoastfcu.net, phone ext. 1218

Brunswick

Cheryl � cheryl@midcoastfcu.net, phone ext. 2711

Susan � susanc@midcoastfcu.net, phone ext. 2712

Edgecomb

Kathy � kathy@midcoastfcu.net, phone ext. 3315

Lorraine � lorraine@midcoastfcu.net, phone ext. 3314

Thomaston

Peggy � peggyb@midcoastfcu.net, phone ext. 4401

Terri � terrir@midcoastfcu.net, phone ext. 4402